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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) IQTISHADIA Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Ziswaf : Jurnal Zakat dan Wakaf Jurnal Al-Qardh Jurnal Ilmiah Ekonomi Islam KOLEGIAL : Jurnal Manajemen, Bisnis, dan Akuntansi Jurnal Pajak Indonesia (Indonesian Tax Review) Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah El-Barka: Journal of Islamic Economics and Business International Journal of Economics, Business and Accounting Research (IJEBAR) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam AL-ARBAH: Journal of Islamic Finance and Banking Al-Mashrof: Islamic Banking and Finance Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Relevance: Journal of Management and Business Journal Of Islamic Social Finance Management Islamic Economics Methodology Jurnal Magister Ekonomi Syariah Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Profetik Jurnal Ekonomi Syariah
Utari Evy Cahyani
Universitas Islam Negeri Syeh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Pengaruh Persepsi Kegunaan dan Persepsi Kemudahan Terhadap Loyalitas Dengan Kepuasan Sebagai Variabel Intervening dalam Menggunakan BSI Mobile Pasaribu, Mahmud; Hasibuan, Abdul Nasser; Cahyani, Utari Evy
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12371

Abstract

The purpose of this study was to determine how the perceived usefulness and convenience affect customer loyalty either directly or through customer satisfaction. The discussion of this research is related to the TAM (technology acceptance model) analysis, where researchers can find out what things are phenomena in BSI Kc customers. Padangsidimpuan customers in using the BSI Mobile application. This research is quantitative research. The sample of this study was 371 samples. The data collection instrument used a closed questionnaire to BSI Kc customers. Padangsidimpuan customers who use the BSI Mobile application. Data analysis using inner model, outer model, and intervening hypothesis testing. Based on the results of the study, it is known that customer satisfaction can explain customer loyalty by 0.363 or 36.3 percent, while 63.7 percent is influenced by other variables outside of this study. The loyalty has an R2 value of 0.368 or 36.8 percent, while 63.2 percent is influenced by other variables in this study. Then there is an influence between the usefulness and ease of using the BSI Mobile application on customer satisfaction. There is an influence between the usefulness and ease of using the BSI Mobile application on customer loyalty. There is no influence between customer satisfaction using the BSI Mobile application on customer loyalty. Customer satisfaction does not mediate the usefulness and ease of using the BSI Mobile application on customer loyalty at BSI Kc. Padangsidimpuan.
Quo Vadis, Muslim Youth Entrepreneurship? Bibliometric Analysis of Entrepreneurship at Islamic University Zaidi, Nurul Ain Binti; Cahyani, Utari Evy; Siregar, Rizal Ma'ruf Amidy
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 10, No 1 (2024): JUNI 2024
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v10i1.13245

Abstract

Muslim youth empowerment is an issue that is not only related to the economic field but also to other fields such as education, health, sociology, and psychology. Entrepreneurship is an effort to empower Muslim youth to increase their competitiveness in the global economy. Thus, this research aims to investigate the trends in existing research on entrepreneurship at Islamic Universities. The data analyzed were from 88 research publications from 2007 to 2022 in Dimensions.ai with the search terms "entrepreneurship" and "Islamic University." The data was analyzed using a Biblioshiny R-based and VOSViewer app to generate a bibliometric map describing the journal's characteristics, trends, keywords, and authors related to entrepreneurship and Islamic University research.
Muslim Z Generation Purchase Behavior on Halal Cosmetics and Skincare Sari, Dia Purnama; Aviva, Itsla Yunisva; Cahyani, Utari Evy
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 8, No 2 (2022): DESEMBER 2022
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v8i2.5282

Abstract

Kosmetik halal memiliki potensi besar untuk menjadi perhatian konsumen Muslim Generasi Z. Penelitian ini mencoba mengeksplorasi perilaku Muslim Z Generation dalam membeli kosmetik dan skincare halal. Penelitian ini dilakukan dengan menggunakan metode penelitian campuran. Dari penelitian ini dapat disimpulkan bahwa Muslim Z Generation yang menjadi responden penelitian ini sudah mulai melakukan pembelian kosmetik dan perawatan kulit. Hasil penelitian menyatakan bahwa kualitas dan keamanan produk menjadi alasan utama untuk membeli dan menggunakan kosmetik dan perawatan kulit halal. Alasan lain Muslim Z Generation menggunakan kosmetik dan perawatan kulit halal adalah karena keyakinan agama. Dengan mempelajari perilaku pembelian konsumen yang dapat memprediksi kebutuhan kosmetik dan produk perawatan pribadi berlabel halal,
USE OF ANP IN DEVELOPING HAJORAN SALTED FISH BUSINESS PLAN TO IMPROVE COMPETITIVENESS Sinaga, Siti Zubaida; Harahap, Darwis; Cahyani, Utari Evy
JURNAL PROFIT Vol 8, No 2 (2024): Economic and Financing
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v8i2.13212

Abstract

This study aims to analyze the factors that affect the development of salted fish Micro Small Businesses in Hajoran Village , Pandan District, Central Tapanuli Regency, and formulate a development model using the Analytical Network Process (ANP) approach. This study uses a quantitative descriptive method with data collection techniques through observation, interviews, and questionnaires of 15 respondents consisting of Micro Small Business actors , community leaders, and related government agencies. The data is analyzed using Super Decisions software to determine the priority weight between factors and produce an effective and sustainable development strategy. The results of the study show that the main inhibiting factors for the development of salted fish Micro Small Businesses come from limited business capital (0.303), financial management (0.256), and availability of raw materials (0.249), while from external aspects include lack of partnerships (0.405), limited infrastructure (0.307), and lack of government policy support (0.279). The priority solutions produced through the ANP analysis are cooperation with financial institutions, strengthening collaboration between the government, the private sector, and the community, and building business networks and communities. The main strategy recommended is collaboration between local governments, academics, and the business world with the support of cooperatives as a capital and distribution booster. This ANP-based development model is expected to be a reference in empowering coastal Micro Small Businesses to improve the competitiveness and economic welfare of the community in a sustainable manner
Unveiling The Nexus Between Zakat Distribution and Islamic Human Development Index: Implications for Poverty Reduction HARAHAP, CHOIRUNNISA TRI ANA; CAHYANI, UTARI EVY; SIREGAR, IBRAHIM; MAARIF, MUHAMMAD ARIFUL
Jurnal Magister Ekonomi Syariah Vol. 4 No. 1 Juni (2025): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2025.041-07

Abstract

This study analyzes the interaction between zakat distribution and the Islamic Human Development Index (I-HDI) on the poverty rate in North Sumatra. The problem addressed in this research is the limited empirical evidence explaining how zakat and human development jointly influence poverty reduction in Muslim-majority regions. Fourteen districts/cities with complete annual data for the four-year period 2019–2022 were selected, producing panel data observations. This study employs the Panel Vector Error Correction Model (PVECM), which is suitable for analyzing causality, interdependence, and adjustment processes within non-stationary panel data. The results show that zakat distribution contributes to reducing poverty, although its effect becomes meaningful only after several periods when the adjustment process converges toward a consistent long-term pattern. Meanwhile, the I-HDI demonstrates a stronger and more persistent influence on poverty reduction, with its impact increasing until it reaches a stable long-run trajectory. The findings also indicate that zakat positively supports improvements in I-HDI, especially in later periods of the analysis. This study highlights the need to improve the efficiency and targeting of zakat distribution and to strengthen collaboration between zakat institutions and government development programs. The novelty of this research lies in the use of the I-HDI, an index based on maqāṣid al-sharī‘ah that integrates spiritual, educational, health, and socioeconomic dimensions, offering a more contextual and holistic measure of human development compared to the conventional HDI.
Co-Authors Abdul Nasser Hasibuan Ahmad Afandi Ahmad Afandi Ahmad Afandi Aisa Manilet Ali Isro’ Harahap Arbanur Rasyid Aviva, Itsla Yunisva Batubara, Randi Hadamean Dani, Nia Rahma Daulay, Nurfia Sintia Dia Purnama Sari Dia Purnama Sari Hanafi, Syafiq Mahmadah Harahap , Darwis Harahap, Choirunnisa Tri Ana Harahap, Darwis Harahap, Mastika Sari Harahap, Rocky Ardiansyah Habibi Heriansyah Panjaitan Ibrahim Siregar Ikhwan, Ikhwan Madina Lubis Itsla Yunisva Aviva Itsla Yunisva Aviva Lubis, Rizki Mulia Lusi Yanti, Fitri Yani Maarif, muhammad Ariful Misnen Ardiansyah Misnen Ardiansyah, Misnen Muhammad, Samsuddin Nurya Ningsih, Ratna Pasaribu, Mahmud Pasaribu, Putri Amelia Rambe, Sarwedi Rizal Ma'ruf Amidy Siregar Rodame Monitorir Napitupulu Rosnani Siregar, Rosnani Rukiah Rukiah , Rukiah Rukiah Lubis Sari, Dia Purnama Sikumbang, Purnama Raya Sinaga, Siti Zubaida Siregar, Fatahuddin Aziz Siregar, Rizal Ma'ruf Amidy Siswanto Masruri Sunaryati Sunaryati Try Mahendra Siregar Zaidi, Nurul Ain Binti Zulaika Matondang